Citi® Double Cash Card
in Personal Credit Cards from Citibank
Would you recommend Citi® Double Cash Card to your friends?
| Community Rating | Strongly recommended |
| Purchase APR (Variable APR) | 13.99% - 23.99% |
| Balance Transfer APR (Variable APR) | 13.99% - 23.99% |
| Credit Score Range | 680 - 850 |
| Annual Fee | $0 |
| Number of Reviews | 6 |
Citi® Double Cash Card Review
Citi® Double Cash Card is a cashback credit card issued by Citibank. If you're wondering whether Citi® Double Cash Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Earn 2% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
- Competitive APRs. Citi® Double Cash Card has a variable purchase APR that ranges from 13.99% up to 23.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Citi® Double Cash Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 680.
| The Good | The Bad |
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Is there a Citi® Double Cash Card cash back or rewards program?
Citi® Double Cash Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Citi® Double Cash Card you receive 2% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.
| Rewards rate (all purchases) | 2% |
| Max rewards rate | 2% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Citi® Double Cash Card have a signup bonus?
Citi® Double Cash Card doesn't offer a cash signup bonus.Does Citi® Double Cash Card offer an annual loyalty bonus?
Citi® Double Cash Card doesn't offer a cash loyalty bonus.What are the Citi® Double Cash Card benefits?
Citi® Double Cash Card provides the following benefits:
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Citi® Double Cash Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citi® Double Cash Card has lower than average purchase APRs.Citi® Double Cash Card has a variable purchase APR that ranges from 13.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 23.99%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Citi® Double Cash Card have an introductory APR offer on balance transfers?
Yes, Citi® Double Cash Card offers an introductory APR rate on balance transfers of 0% for a period of up to 18 months.
| Description | |
|---|---|
| Balance Transfer APR | 13.99% - 23.99% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 18 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee % After Intro Period | N/A |
| Balance Transfer Fee Intro Period (days) | N/A |
| Balance Transfer Fee Minimum | $5 |
Does Citi® Double Cash Card have an introductory APR offer on new purchases?
Citi® Double Cash Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Citi® Double Cash Card?
The following fees apply to Citi® Double Cash Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
Does Citi® Double Cash Card have a foreign transaction fee?
Citi® Double Cash Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.Does Citi® Double Cash Card report your account activity to credit bureaus?
Citi® Double Cash Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.
How to apply for Citi® Double Cash Card
- Visit the Citi® Double Cash Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
Other Services by Citibank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Every Purchase (Points) | Get 2% on every purchase with unlimited 1% cash back when you buy, Plus an additional 1% as you pay for those purchases. |
Citi® Double Cash Card Community Reviews
Would you recommend Citi® Double Cash Card to your friends?
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